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市场调查报告书
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1641929

代币化解决方案：市场占有率分析、行业趋势和统计、成长预测（2025-2030 年）

Tokenization Solution - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 135 Pages | 商品交期: 2-3个工作天内

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简介目录

代币化解决方案市场规模预计在 2025 年为 63 亿美元，预计到 2030 年将达到 142.1 亿美元，预测期内（2025-2030 年）的复合年增长率为 17.68%。

代币化解决方案-市场-IMG1

预计推动代币化市场发展的主要因素包括保持合规性和资料监管报告标准的需要、金融诈骗的增加以及确保持续的客户体验和维持诈骗预防水准的需要。

主要亮点

  • 资料将成为智慧财产权，能够资料提取智慧的公司将占据主导，无论是创新医院还是自动驾驶汽车。但随着资料变得越来越重要，安全的需求和成本也随之增加。因此，这种需求产生了对标记化解决方案的需求。
  • 此外，云端服务中资料的快速成长也是推动采用标记化解决方案的主要因素。云端服务的易于存取和价格合理正在帮助大型企业以及中小型企业采用云端为基础的模式。随着越来越多的资料转移到云端，标记化解决方案正被用于确保储存在云端中的资料的安全。
  • 几乎每个产业都越来越多地采用区块链技术，这也推动了对代币化解决方案的需求。房地产行业越来越多地采用代币化解决方案，也提高了该行业的可近性。代币化解决方案还提供了将资产转换为任何代币价值的能力，从而降低了与投资相关的高成本。这使得投资者可以购买少量的房地产股票。
  • 安全付款闸道的需求不断增长。随着付款闸道的采用率不断提高，客户正在转向与其货币相关的更安全的付款闸道选项。
  • 标记化解决方案，即使用替代品来取代敏感价值的概念，已经在付款和金融服务领域中得到了广泛应用。然而，在消费者对智慧型设备的需求和快速变化的技术的主导下，该行业正蓬勃发展，代币化解决方案不断创新和进步。

代币化解决方案的市场趋势

BFSI 占最大市场规模

  • 银行、金融和保险机构从内部和第三方来源取得敏感资料。因此，预计标记化的采用将在 BFSI 领域中变得更加突出和频繁。标记化为在进行卡片或线上交易时可能面临风险的敏感资料提供了安全性。
  • 标记化解决方案的另一个好处是，与受损 PAN 相关的诈欺损失显着减少，该解决方案正得到越来越多人的采用，主要在银行中。信用卡和付款诈欺的减少也意味着纠纷的减少。此外，银行可以设定准确的风险比率和限额，以核准真正的客户的高价值交易。传统的基于 PAN 的解决方案很难实现这些好处。因此，代币化解决方案市场正在蓬勃发展。
  • 由于采用了标记化解决方案，银行的卡片诈骗案件数量也有所下降。此外，代币化为 BFSI 领域带来了灵活性、有效性、安全性和低成本模式。预计诈欺案件的减少将增加全球 BFSI 行业的收益，从而进一步推动代币化解决方案市场的发展。
  • 随着数位化和资料分析的融合，保险业正处于技术主导的巨大转型的边缘。标记化解决方案可协助保险公司保护客户资料、确保保费支付并进行分析。标记化解决方案可协助保险公司保护客户资料、确保安全保费支付并实现分析。它还有助于减少诈骗案件，并帮助保险公司将其模式从「检测和修復」转变为「预测和预防」。
  • 此外，2023 年 5 月，卡片付款提供者 Visa 推出了一项功能，如果客户的卡片已被标记化，则该功能允许客户无需输入持卡人验证值 (CVV) 即可进行线上交易。印度推出的免 CVV 功能旨在简化线上交易。使用此功能的企业将不再需要要求客户在每次国内交易中输入他们的 CVV。您的卡片背面的这三位数字在标记化过程中仅验证一次。
  • 在研究期间，区块链在加密货币和 NFT 等金融应用中的使用日益增多，可能会推动代币化的发展。例如，艺术品领域的非同质化代币（NFT）的总销售额从 2022 年 4 月 15 日到 2023 年 4 月波动很大。

预计北美将占据较大的市场占有率

  • 由于付款闸道产业早期采用了先进技术，北美成为标记化解决方案市场的主要地区。大多数代币化解决方案供应商都位于美国，美国占据了代币化解决方案市场收益的大部分。
  • 北美是一个受到严格监管的地区，网路攻击和常见的付款诈骗激增，CCPA 等法规对整个行业产生了影响。该地区对代币化的需求预计会不断增长。此外，客户偏好也在发生变化，对数位信用卡和非接触式付款的偏好预计将推动代币化市场的成长。
  • 推动北美代标记化市场成长的因素包括智慧型手机使用量的增加、电子商务、线上游戏、线上串流媒体和政府服务。此外，由于网路购物和交易增加了网路威胁的可能性，政府也在努力改善网路安全和线上交易。
  • 该地区对云端技术的采用率最高，这是代币化解决方案日益普及的关键因素。该地区也是大型电子商务公司的所在地，也是采用代币化解决方案最快的地区之一。
  • 该地区零售和电子商务行业的显着增长预计将进一步推动代币化解决方案市场的发展。该地区的 BFSI 行业也一直经历健康成长。由于该地区对区块链技术的采用率最高，代币化解决方案的市场预计将进一步扩大。

代币化解决方案产业概览

代币化解决方案市场竞争激烈，因为有许多参与者在国内和国际范围内运作。市场高度分散，主要参与者包括 Paymetric, Inc.、Protegrity USA, Inc.、Broadcom Inc.、Thales Group 和 Hewlett Packard Enterprise。公司正在提高其领域和安全专业知识以获得竞争优势。

  • 2022 年 8 月－印度储备银行 (RBI) 决定将代币化功能从传统的基于设计的代币化框架转变为卡文件标记化(COFT)，以确保付款系统的安全。数位付款供应商 Paytm 宣布推出针对线上信用卡和签帐金融卡交易的标记化方案。这项发展是由印度储备银行宣布针对支付聚合器（PA）和支付网关（PG）的规则引发的。
  • 2022 年 5 月 - 泰雷兹宣布其 CipherTrust Tokenization 是第一个经 SAP检验可用于保护敏感资料的 SAP 用户端标记化解决方案。泰雷兹标记化解决方案可透过 SAP Data Custodian 访问，提供更精细的资料安全性和使用者存取限制，从而加快将更多应用程式和工作负载迁移到云端的公司的合规时间。缩短。

其他福利：

  • Excel 格式的市场预测 (ME) 表
  • 3 个月的分析师支持

目录

第 1 章 简介

  • 调查前提条件
  • 研究范围

第二章调查方法

第三章执行摘要

第四章 市场洞察

  • 市场概况
  • 产业吸引力－波特五力分析
    • 新进入者的威胁
    • 购买者/消费者的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争强度
  • COVID-19 对市场的影响

第五章 市场动态

  • 市场驱动因素
    • 安全付款闸道的需求不断增加
    • 电子商务和行动付款的普及率不断提高
    • 政府对资料安全的监管不断加强
  • 市场限制
    • 透过 EMV 标准解决漏洞
    • 因类似产品而缺乏认知

第六章 市场细分

  • 按类型
    • 解决方案
    • 服务
  • 按部署
    • 本地
    • 云
  • 按最终用户产业
    • 零售与电子商务
    • 运输和物流
    • BFSI
    • 资讯科技/通讯
    • 卫生保健
    • 政府
    • 能源与公共产业
    • 其他最终用户产业
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
    • 欧洲
      • 英国
      • 德国
      • 法国
    • 亚洲
      • 中国
      • 印度
    • 澳洲和纽西兰
    • 拉丁美洲
      • 巴西
      • 墨西哥
      • 阿根廷
    • 中东和非洲
      • 阿拉伯聯合大公国
      • 沙乌地阿拉伯
      • 南非

第七章 竞争格局

  • 公司简介
    • Paymetric, Inc.（A Worldpay Company）
    • Protegrity USA, Inc.
    • Broadcom Inc.
    • Thales Group
    • Hewlett Packard Enterprise
    • First Data Corporation
    • Cardconnect Corporation
    • 3delta Systems, Inc.
    • Ciphercloud Incorporation
    • Cybersource Corporation
    • Liaison Technologies Inc
    • Fiserv, Inc.
    • Tokenex, LLC

第 8 章：市场的未来

第九章投资分析

简介目录
Product Code: 62354

The Tokenization Solution Market size is estimated at USD 6.30 billion in 2025, and is expected to reach USD 14.21 billion by 2030, at a CAGR of 17.68% during the forecast period (2025-2030).

Tokenization Solution - Market - IMG1

The main factors anticipated to propel the development of the tokenization market are the need to remain compliant and meet regulatory reporting standards, the growing need to guarantee continuous customer experience and maintain fraud prevention levels due to increasing financial frauds, and the need to reduce risk from data breaches.

Key Highlights

  • Data has become an intellectual property and companies that can distill intelligence from their data, whether in an innovative hospital or from an autonomous car, are expected to be the ones to lead. But, as the importance of data increases, the need for security and the cost of security also increases simultaneously. Hence, this need is generating the demand for tokenization solutions.
  • The data proliferation in cloud services is also a significant factor in the growing adoption of tokenization solutions. Easy and affordable accessibility of cloud services is not only helping large enterprises but also SMEs in adopting a cloud-based model. As more data moves to the cloud, tokenization solutions are being used to secure data stored in the cloud.
  • The increasing adoption of blockchain technology in almost every industry is another factor thriving the demand for tokenization solutions. The rising adoption of tokenization solutions in the real estate industry is also enhancing the accessibility of the sector. Tokenization solutions also mitigate high costs associated with the investment by providing the ability to convert assets into any token value. Through this, investors can buy even a tiny property share.
  • There has been a continuously growing demand for secure payment gateways. Due to the increased adoption rate of payment gateways, customers are switching to more secure payment gateway options due to the currency involved.
  • A tokenization solution, the concept of a surrogate being used to replace the sensitive value, has been prominently used in payments and financial services for a considerably long period. However, the consumer-driven demand for smart devices, coupled with rapidly changing technologies, has the industry buzzed about tokenization solutions innovations and advancements.

Tokenization Solution Market Trends

BFSI to hold the largest market size

  • Banking, financial, and insurance institutions are privy to sensitive data from internal and third-party sources. Hence, adopting Tokenization is expected to be more prominent and frequent in the BFSI sector, as it provides security for sensitive data, which is prone to risk during card or online transactions.
  • The other benefit of tokenization solutions, primarily resulting in growing adoption for banks, is the significant reduction of fraud losses related to PAN compromise. Reduced card and payment fraud also mean fewer disputes. Furthermore, banks can set accurate risk ratios and limits and authorize high-value transactions for genuine customers. These advantages are more difficult to achieve with a traditional PAN-based solution. Hence, a thriving market for tokenization solutions.
  • Adopting tokenization solutions has also reduced the number of card fraud cases in banks. Besides, it also brings flexibility, effectiveness, security, and a low-cost model to the BFSI sector. Reduction in fraud cases would increase the revenue of the BFSI industry globally, which is estimated to drive the market for Tokenization solutions further.
  • Due to the digitization and data analytics integration, the Insurance industry is on the verge of a seismic, tech-driven shift. Tokenization solutions are helping insurance companies in customer data protection and secure payment of premiums and their analysis. It is also assisting in reducing fraud cases and the transformation of insurance companies' model of "detect and repair" to "predict and prevent."
  • Futhermore, in May 2023, Visa, a firm that provides card payments, has introduced a feature that, if the card has been tokenized, enables customers to conduct online transactions without having to enter the cardholder verification value (CVV). The CVV-free function, which was introduced in India, aims to simplify online transactions. Those businesses that use it won't need to ask clients for their CVV each time they do a domestic transaction. This three-digit number on the back of the card will only be verified once, during the tokenization process.
  • The increasing usage of blockchain in financial applications such as cryptocurrencies and NFTs will drive Tokenization in the studied period. For instance, the total value of sales involving non-fungible tokens (NFTs) in the art area fluctuated wildly between April 15, 2022, and April 2023.

North America is Expected to Hold Significant Market Share

  • North America is the dominating region in the tokenization solution market, owing to the earliest adoption of advanced technology in the payment gateway industry. Most tokenization solution vendors are American based, accounting for the major portion of the revenue of the tokenization solution market.
  • North America is a highly regulated region, with the regulations like a surge in cyber attacks, generally fraud of payments, and CCPA across the industry. It is expected that the need for tokenization will grow in this region. Customers' preferences are also changing; their inclination toward digital credit cards and contactless payments is expected to fuel the tokenization market growth.
  • The factors that are also intending the North American tokenization market growth are increasing usage of smartphones, E-Commerce, and services like online gaming, online streaming, and government services. The government is also taking initiatives to improve cyber security and online transactions because online shopping or transactions are increasing the chances of cyber threats.
  • The adoption of cloud technology is highest in the region, a vital reason for the growing adoption of tokenization solutions. The region is also the home of all the major e-commerce major companies, where the adoption of tokenization solutions is highest.
  • The significant growth of the retail and e-commerce industry in the region is further estimated to grow the tokenization solution market. The BFSI sector has also shown healthy growth in the region. The highest adoption of blockchain technology in the region is estimated to further expand the tokenization solution market significantly.

Tokenization Solution Industry Overview

The Tokenization solution market is competitive because of the presence of many players running their businesses within national and international boundaries. The market is highly fragmented, with significant players like Paymetric, Inc., Protegrity USA, Inc., Broadcom Inc., Thales Group, and Hewlett Packard Enterprise. The companies improve their expertise in the field and security to gain a competitive advantage.

  • August 2022 - The Reserve Bank of India (RBI) has expanded the tokenization facility from an earlier designed-based tokenization framework to Card on File Tokenization (COFT) to ensure the payment system's safety and security. The digital payment provider Paytm has unveiled a tokenization method for online credit and debit card transactions. The RBI released rules for payment aggregators (PA) and payment gateways (PG), which sparked the beginning of this development.
  • May 2022 - Thales declared that their CipherTrust Tokenization is the first tokenization solution for SAP clients validated by SAP and can be used to safeguard sensitive data. The tokenization solution from Thales, accessible through SAP Data Custodian, offers more granular levels of data security and user access restrictions, significantly reducing the time to compliance for businesses that are shifting more apps and workloads to the cloud.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Force Analysis
    • 4.2.1 Threat of New Entrants
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Bargaining Power of Suppliers
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 IMPACT OF COVID-19 ON THE MARKET

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Growing Demand for Secure Payment Gateways
    • 5.1.2 Rising Adoption in E-commerce and Mobile payments
    • 5.1.3 Growing Government Regulations On Data Security
  • 5.2 Market Restraints
    • 5.2.1 Addressing Vulnerabilities From EMV Standards
    • 5.2.2 Lack of Awareness Due to Similar Products

6 MARKET SEGMENTATION

  • 6.1 By Type
    • 6.1.1 Solutions
    • 6.1.2 Services
  • 6.2 By Deployment
    • 6.2.1 On-Premise
    • 6.2.2 Cloud
  • 6.3 By End-User Industry
    • 6.3.1 Retail & E-commerce
    • 6.3.2 Transportation & Logistics
    • 6.3.3 BFSI
    • 6.3.4 IT & Telecommunications
    • 6.3.5 Healthcare
    • 6.3.6 Government
    • 6.3.7 Energy & Utilities
    • 6.3.8 Other End-User Industries
  • 6.4 Geography
    • 6.4.1 North America
      • 6.4.1.1 United States
      • 6.4.1.2 Canada
    • 6.4.2 Europe
      • 6.4.2.1 United Kingdom
      • 6.4.2.2 Germany
      • 6.4.2.3 France
    • 6.4.3 Asia
      • 6.4.3.1 China
      • 6.4.3.2 India
    • 6.4.4 Australia and New Zealand
    • 6.4.5 Latin America
      • 6.4.5.1 Brazil
      • 6.4.5.2 Mexico
      • 6.4.5.3 Argentina
    • 6.4.6 Middle East & Africa
      • 6.4.6.1 United Arab Emirates
      • 6.4.6.2 Saudi Arabia
      • 6.4.6.3 South Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Paymetric, Inc. (A Worldpay Company)
    • 7.1.2 Protegrity USA, Inc.
    • 7.1.3 Broadcom Inc.
    • 7.1.4 Thales Group
    • 7.1.5 Hewlett Packard Enterprise
    • 7.1.6 First Data Corporation
    • 7.1.7 Cardconnect Corporation
    • 7.1.8 3delta Systems, Inc.
    • 7.1.9 Ciphercloud Incorporation
    • 7.1.10 Cybersource Corporation
    • 7.1.11 Liaison Technologies Inc
    • 7.1.12 Fiserv, Inc.
    • 7.1.13 Tokenex, LLC

8 FUTURE OF THE MARKET

9 INVESTMENT ANALYSIS